NAYYA
ActiveSummary
The computed 12-month bankruptcy probability of NAYYA is 2.5% (moderate). The 2025 annual accounts show equity of €25,435 and a net result of €9,620. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 46% of 1885 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability43▲+28
Solvency62▼-16
Growth61▲+13
Track record100
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.24 against 0.32 in 2024; short-term debt: 63.1% of total assets), and 63.1% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.9%
Return on assets
13.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
17 d early
2023
35 d early
2022
49 d early
2021
57 d late
2020
27 d late
2019
466 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 63 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€63,211▲ 86.4%
2024 · €33,905
EBIT margin
2.1%▲ 9.1pp
2024 · -7.0%
Net result
€9,620
2024 · -€8,954
Working capital
-€33,036▼ 39.9%
2024 · -€23,614
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€40,898▲ 85.0%€37,199▼ 9.0%€44,103▲ 18.6%€33,905▼ 23.1%€63,211▲ 86.4%
Operating result€7,650-€15,255€14,454-€2,381€1,339
Net result€33,237within the sector's middle half-€18,583below the sector's middle half€6,965within the sector's middle half-€8,954below the sector's middle half€9,620within the sector's middle half
EBIT margin18.7%▲ 61.7pp-41.0%▼ 59.7pp32.8%▲ 73.8pp-7.0%▼ 39.8pp2.1%▲ 9.1pp
Equity€53,305within the sector's middle half▲ 166%€40,432below the sector's middle half▼ 24.1%€47,397below the sector's middle half▲ 17.2%€38,443below the sector's middle half▼ 18.9%€25,435below the sector's middle half▼ 33.8%
Total assets€69,862below the sector's middle half▲ 6.1%€117,547below the sector's middle half▲ 68.3%€81,089below the sector's middle half▼ 31.0%€72,948below the sector's middle half▼ 10.0%€69,018below the sector's middle half▼ 5.4%
Debt€16,557▼ 63.8%€77,115▲ 366%€33,692▼ 56.3%€34,505▲ 2.4%€43,583▲ 26.3%
Working capital€3,005within the sector's middle half-€24,377within the sector's middle half-€3,103within the sector's middle half▲ 87.3%-€23,614within the sector's middle half▼ 661%-€33,036below the sector's middle half▼ 39.9%
Solvency76.3%above the sector's middle half▲ 45.8pp34.4%within the sector's middle half▼ 41.9pp58.5%above the sector's middle half▲ 24.1pp52.7%within the sector's middle half▼ 5.8pp36.9%within the sector's middle half▼ 15.8pp
Current ratio1.18within the sector's middle half▲ 1.000.54below the sector's middle half▼ 0.640.91within the sector's middle half▲ 0.370.32below the sector's middle half▼ 0.590.24below the sector's middle half▼ 0.07
Return on assets (ROA)47.6%above the sector's middle half▲ 62.6pp-15.8%below the sector's middle half▼ 63.4pp8.6%within the sector's middle half▲ 24.4pp-12.3%below the sector's middle half▼ 20.9pp13.9%above the sector's middle half▲ 26.2pp
Staff (FTE)1below the sector's middle half1.2below the sector's middle half▲ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1,339 after a loss of €2,381 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69,018
Fixed assets
€58,471 ▼ 5.8%
Current assets
€10,547 ▼ 3.2%
Equity and liabilities €69,018
Equity
€25,435 ▼ 33.8%
Debt
€43,583 ▲ 26.3%
Debt's share of the balance-sheet total rises from 47.3% to 63.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4,925▲
2024 · €1,205
Cash flow
€13,206▲
2024 · -€5,368
Debt to equity
1.71▲
2024 · 0.90
ROE
37.8%▲
2024 · -23.3%
Interest coverage
0.34▲
2024 · 0.18
Debt ≤ 1 year
€43,583▲
2024 · €34,505
Staff costs
€17,631
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.5% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,970 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €40,898 | €37,199 | €44,103 | €33,905 | €63,211 | ▲ 86.4% |
| Non-recurring operating income76A | €2,889 | €6,000 | €46,144 | €7,771 | €1,824 | ▼ 76.5% |
| Goods, raw materials, services and sundry goods60/61 | €25,343 | €34,328 | €33,378 | €39,107 | €38,987 | ▼ 0.3% |
| Remuneration, social security and pensions62 | €2,744 | €7,172 | - | - | €17,631 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,242 | €9,609 | - | €3,586 | €3,586 | = |
| Other operating charges640/8 | €808 | €7,345 | €3,980 | €1,364 | €3,492 | ▲ 156% |
| Non-recurring operating charges66A | - | - | €38,435 | - | - | - |
| Gross operating margin9900 | €18,444 | €8,871 | €56,869 | €2,569 | €26,048 | ▲ 914% |
| Operating profit (loss)9901 | €7,650 | -€15,255 | €14,454 | -€2,381 | €1,339 | ▲ 156% |
| Financial income75/76B | €26,750 | - | - | - | €22,629 | - |
| Recurring financial income75 | €26,750 | - | - | - | €22,629 | - |
| Non-recurring financial income76B | €26,750 | - | - | - | €22,629 | - |
| Financial charges65/66B | €1,163 | €3,328 | €7,489 | €6,573 | €14,348 | ▲ 118% |
| Recurring financial charges65 | €1,163 | €3,328 | €7,489 | €6,573 | €14,348 | ▲ 118% |
| Profit (loss) for the period before taxes9903 | €33,237 | -€18,583 | €6,965 | -€8,954 | €9,620 | ▲ 207% |
| Profit (loss) for the period9904 | €33,237 | -€18,583 | €6,965 | -€8,954 | €9,620 | ▲ 207% |
| Profit (loss) for the period to be appropriated9905 | €33,237 | -€18,583 | €6,965 | -€8,954 | €9,620 | ▲ 207% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €69,862 | €117,547 | €81,089 | €72,948 | €69,018 | ▼ 5.4% |
| Fixed assets21/28 | €50,300 | €88,935 | €50,500 | €62,057 | €58,471 | ▼ 5.8% |
| Intangible fixed assets21 | €50,000 | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Tangible fixed assets22/27 | €0 | €38,435 | - | €11,557 | €7,971 | ▼ 31.0% |
| Furniture and vehicles24 | €0 | €38,435 | - | €11,557 | €7,971 | ▼ 31.0% |
| Financial fixed assets28 | €300 | €500 | €500 | €500 | €500 | = |
| Current assets29/58 | €19,562 | €28,612 | €30,589 | €10,891 | €10,547 | ▼ 3.2% |
| Amounts receivable within one year40/41 | €12,235 | €28,612 | €18,228 | €10,891 | €10,547 | ▼ 3.2% |
| Trade receivables40 | €3,419 | €11,370 | €9,642 | €274 | - | - |
| Other amounts receivable41 | €8,816 | €17,242 | €8,586 | €10,617 | €10,547 | ▼ 0.7% |
| Cash at bank and in hand54/58 | €7,327 | - | €12,361 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €69,862 | €117,547 | €81,089 | €72,948 | €69,018 | ▼ 5.4% |
| Equity10/15 | €53,305 | €40,432 | €47,397 | €38,443 | €25,435 | ▼ 33.8% |
| Contributions10/11 | €12,890 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €22,629 | €22,629 | €22,629 | €22,629 | - | - |
| Distributable reserves133 | €22,629 | €22,629 | €22,629 | €22,629 | - | - |
| Profit (loss) carried forward14 | €17,786 | -€797 | €6,168 | -€2,786 | €6,835 | ▲ 345% |
| Amounts payable17/49 | €16,557 | €77,115 | €33,692 | €34,505 | €43,583 | ▲ 26.3% |
| Amounts payable after more than one year17 | - | €24,126 | - | - | - | - |
| Financial debts170/4 | - | €24,126 | - | - | - | - |
| Amounts payable within one year42/48 | €16,557 | €52,989 | €33,692 | €34,505 | €43,583 | ▲ 26.3% |
| Current portion of amounts payable after more than one year42 | €379 | €6,684 | €379 | €1,846 | - | - |
| Financial debts43 | - | €2,493 | - | - | €4,260 | - |
| Credit institutions430/8 | - | €2,493 | - | - | €4,260 | - |
| Trade debts44 | €1,750 | €11,068 | - | - | €3,293 | - |
| Suppliers440/4 | €1,750 | €11,068 | - | - | €3,293 | - |
| Taxes, remuneration and social security45 | €108 | €1,381 | - | - | €2,405 | - |
| Taxes450/3 | - | €158 | - | - | €154 | - |
| Remuneration and social security454/9 | €108 | €1,223 | - | - | €2,251 | - |
| Other amounts payable47/48 | €14,320 | €31,363 | €33,313 | €32,659 | €33,625 | ▲ 3.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €33,237 | -€18,583 | €6,965 | -€8,954 | €9,620 | ▲ 207% |
| + Depreciation and write-downs630 | €7,242 | €9,609 | - | €3,586 | €3,586 | = |
| Operating cash flow (approximation) | €40,479 | -€8,974 | €6,965 | -€5,368 | €13,206 | ▲ 346% |
| Investment in fixed assets (approximation) | - | -€48,244 | €38,435 | -€15,143 | €0 | ▲ 100% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-09
State Gazette act
Resignation: Bilal HAMZI (director)Share transfer · Shareholding · Declaration7 facts ▸
State Gazette act
Resignation: Bilal HAMZI (director)
Share transfer · Shareholding · Declaration7 facts ▸
- General meeting, 30-08-2026
- Director resignation, Bilal HAMZI (director)
- Share transfer, Bilal HAMZI → Abdoulaziz HAMZI
- Shareholding, 30-08-2026, parts sociales
- Shareholding, 30-08-2026, part sociale
- Declaration, no remuneration as administrator, 31-08-2026
- Shareholding, 30-08-2026, parts sociales
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €9,620
Net result €9,620 after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €6,965
Net result €6,965 after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet -€18,583
Net result drops to -€18,583, the lowest in the series; recovery starts the following year.
26-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 57 days late
2021
31-12
Financial
Back to profitnet €33,237
Net result €33,237 after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 1.18
Current ratio from 0.18 to 1.18; short-term debt falls from €45,762 to €16,557.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 466 days late
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Sint-Joost-ten-Node · 1 establishment unit since 2018
Ground area
161 m²
Building footprint
92 m²
Volume, LiDAR
1,089 m³
Parcel 21572B0071/00L005, Brussels · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NAYYA
since 20182.274.073.839
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21572B0071/00L005 | Brussels | 161 m² | 1 · 92 m² | 16.6 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Bilal HAMZI |
|
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 16-09-2026 ↗
- Abdoulaziz HAMZI 99 shares
- Bilal HAMZI
- llyas HAMZI 1 share
Share transfer
act of 16-09-2026 ↗
- Bilal HAMZI to Abdoulaziz HAMZI 20 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
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Of 6,684 companies in sector 49330 we hold annual accounts for 2,299. 1,996 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded27-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
49320Non-scheduled passenger transport by road
49330On-demand passenger transport by chauffeured vehicle
Contact
E-mail
nayya.sprl@gmail.com
Phone
0498123103Sint-Joost-ten-Node
E-invoicing
Reachable via Peppol
Peppol ID
0208:0690994841
Also
9925:BE0690994841
Registered
01-04-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.